How does your city measure up to the national average?
National average burglary rate 3.76 per 1,000 people
National average home value $269,000
National average home insurance cost $1,428 year
| City | Avg. home value | Burglaries / 1,000 homes | Annual insurance cost |
| Washington D.C | 637,000 | 138 | $1,151 |
Popular Questions about Homeowners Insurance in Washington, DC
How much does Washington, DC home insurance cost? $1,235
The average annual rate for home coverage in Washington, DC is $1,235, close to the national number of $1,211 per year. For exact pricing consult with a licensed professional.
What does homeowners insurance cover in Washington, DC?
In Washington, DC your home insurance policy will come with coverage against fire, theft, vandalism, and severe weather. Limits are categorized among the following coverages:
- Dwelling value
- Other structures
- Personal property
- Personal liability
- Medical payments
- Additional living expenses
What are Washington, DC's home insurance laws?
In Washington, DC you're not required by law to carry homeowners insurance, although it's needed. If you have a mortgage or lender on your home then they'll mandate proof of insurance. Washington, DC had $61.47 million paid in home insurance claims in one year, making the right protection necessary to avoid financial disaster.
How are Washington, DC home insurance rates calculated?
Each carrier will base your premiums on a variety of risk factors such as past claims, property value, natural disasters, and crime rates. The burglary rate in Washington, DC is 2.55 for every 1,000 people, which will impact your home insurance pricing.
Who are the best home insurance companies in Washington DC?
In Washington, DC there are numerous carriers for your home insurance. Progressive, RLI, and Stillwater insurance companies are highly rated in Washington, DC for home protection due to fast claims service and low prices.
Are there any independent insurance agents in Washington, DC?
Yes, Washington, DC has 27 independent insurance agencies to choose from when selecting home insurance. Independent agents work for you free of charge, ensuring the you get the best options for an affordable rate.